摘要
随着信息技术的发展,银行业互联网络技术与网银业务同质性越来越强,招商银行网上银行业务发展面临着激烈的同行业竞争态势。网上银行的安全问题、技术性脱媒挑战网上银行支付体系。招商银行要增强差异化的竞争优势,以客户为中心创新银行业务,提高营销效率,拉近与客户的距离,完善网上银行业务操作的安全机制,有效结合和运用互联网进行金融电子商务拓展。
With the development of information technology,great homogeneity coming out of banking internet technology and online banking,the online banking for china merchant banks is confronted with fierce competitiveness from the same business of its industry.The security and technical disintermediation of online banking have always been a challenge for online banking payment system.Merchants bank should enhance its differentiation by taking some advanced measures,including making a customer-oriented innovation to improve its marketing efficiency and better access to its custumers;perfecting its security system of online banking and expanding its financial E-commerce by its combination with the internet.
出处
《金融教育研究》
2013年第2期64-69,共6页
Research of Finance and Education
关键词
招商银行
网上银行
网络安全
技术性脱媒
差异化竞争
第三方支付
China Merchants Bank
online banking
internet security
disintermediation
differentiated competitiveness
payment by the third-party
